Small And Medium-sized Enterprise Financial Services, Huaxia Bank, Xian Branch Measures To Improve The Study

SMEs in promoting economic development, expanding the source of revenue, increase employment opportunities, have a very important role, is the our country national economy the important component, and has become the economic development and social stability of the important forces. Although in recent years the state of small and medium enterprises to take a lot of foster policy, but this difficult problem of financing is still placed in the small and medium-sized enterprise development to a stumbling block on the road. The financing of small and medium-sized enterprises is a worldwide problem, by the widespread concern of scholars. In China’s social and economic environment, how to solve the financing problem of small and medium-sized enterprises, has been widespread concern in the community and discuss. Small and medium-sized enterprises in the national economic growth, tax revenue, induct labour force, and create new employment opportunities, plays an important role in. In a sense, small and medium-sized enterprises in China’s economic development, it is difficult to develop small and medium-sized enterprises; no stable development, the whole society will be difficult to have a stable employment situation. From the small and medium-sized enterprise financing structure, bank loan is the small and medium-sized enterprise exogenous financing is one of the important components of. Because the present our country small and medium-sized enterprise the main mode of financing is bank loan, then the problem of financing small and medium enterprises in a certain extent can be transformed into banks to SMEs financial service improvement problem research.Commercial bank financial support for small and medium-sized enterprises and services, is our attention priority among priorities. Small and medium enterprises from the point of view, to solve the difficult problem of bank loan, the financing difficulties can largely be relieved; from the perspective of commercial bank, if realized in medium and small business financial services business cost, risk, income of organic balance, for its steady and sustained development of the business will also play a heavy promoting role. From the banking industry overall development trend, for small and medium-sized enterprises to provide all-round, multi channel financial services has become an inevitable trend of the win-win. China’s financial system and market competition mechanism to improve, mature, will lead to financial institutions to put more attention to the small and medium-sized enterprises. From the perspective of financial institutions, financial services for small and medium-sized enterprises is bound to become a commercial bank is an important strategic choice. In the current economic environment, financial industry, financial institutions to increase its support for SME development, service, to carry out and fulfil the Party Central series of economic policy is of great practical significance, this a series of policy include expanding domestic demand, promoting economic growth policy.This paper points out that the small and medium enterprises in China’s market economy in an important position, the mainstream of the small and medium-sized enterprise financing theories were summarized, from the different angle analysis of SME financing, mainly in Xi’an Branch of Bank of China from the perspective of theory with practice, put forward the improvement measures for the small and medium enterprise financial services train of thought.